Kin launches personalized home insurance in Missouri

CHICAGO — September 23, 2025 — Kin, the pioneering, direct-to-consumer, digital home insurance provider, today announced its expansion into Missouri. Kin brings Missouri homeowners and landlords a sophisticated insurance solution that leverages advanced data analytics and precise underwriting to effectively manage the state's unique severe weather risks while delivering fair, accurate pricing. This expansion furthers Kin's mission to provide essential coverage in markets where traditional insurers struggle to balance risk and affordability.

Missouri's position in the heart of America's severe weather corridor presents complex challenges that demand innovative insurance solutions. The Show-Me State averages 45 tornadoes annually, experiences frequent severe thunderstorms with damaging hail, faces flooding from major river systems, and endures extreme temperature swings from scorching summers exceeding 100°F to frigid winters with devastating ice storms. These diverse hazards require an insurance approach that can accurately assess and price each property's specific risk profile.

"Missouri's weather doesn't follow a one-size-fits-all pattern, and neither should its home insurance," said Sean Harper, CEO and Founder of Kin. "Kin analyzes thousands of property-specific data points to understand exactly how resilient each Missouri resident’s home is to the extreme weather patterns facing Missourians. This precision allows us to offer accurate pricing that reflects actual risk, not broad assumptions."

Kin's refined underwriting model addresses Missouri's weather volatility through advanced risk assessment that considers factors from micro-climate patterns to property resilience features. While traditional insurers often apply blanket rate increases across entire regions, Kin's approach recognizes that a home's specific location, construction, and protective features significantly impact its vulnerability to Missouri's diverse weather threats.

"Missouri homeowners face some of the nation's most complex weather risks, from Tornado Alley's spring fury to winter ice storms that can shut down entire regions," said Angel Conlin, Chief Insurance Officer of Kin. "The severe weather events impacting most of the state earlier this year exemplified how quickly lives can be disrupted when storms strike. Missouri families work hard to build and protect what matters most, and they need an insurance partner that understands the stakes and responds with the urgency their situation demands."

Kin's technology-driven approach provides Missouri homeowners and landlords with immediate quotes, coverage customization based on their home's specific weather vulnerabilities, and streamlined claims processing designed for increasingly severe weather events. The company’s precision pricing ensures customers pay rates that accurately reflect their individual property's risk profile rather than subsidizing higher-risk areas through averaged regional pricing.

In other severe weather markets, including Alabama, Arizona, California, Colorado, Florida, Georgia, Louisiana, Mississippi, South Carolina, Tennessee, Texas, and Virginia, Kin customers consistently rate the company 4.9 out of 5 for exceptional service during their most challenging moments. Missouri homeowners can now access this same level of protection and support. 

To get your personalized Missouri home insurance quote, visit: https://www.kin.com/.

About Kin

Kin is the only direct-to-consumer digital insurance provider focused on the growing homeowners insurance market. Kin offers more convenient and affordable coverage by eliminating the need for external agents. Kin’s technology platform delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Behind the scenes, Kin analyzes thousands of data points about each property to provide accurate pricing. To learn more, visit www.kin.com.

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Contact:

BAM for Kin

press@kin.com